Honolulu limits
2026 FHA limits in Honolulu County
The one-unit FHA limit in Honolulu County for 2026 is $828,000. With 3.5% down, that supports a purchase price of about $858,000. Above that, look at conventional with 3% to 5% down, or a jumbo loan. Multi-unit properties have higher FHA limits.
Oahu condos
The FHA condo problem, and how I work around it
Check the approved list first
Many Oahu buildings are not on HUD’s approved list, often because of owner-occupancy, commercial space or reserve issues. I check before you offer.
Single-unit approval
If the building isn’t approved but meets HUD’s criteria, I can request approval for your unit alone.
Leasehold buildings
FHA allows leasehold when the lease runs at least 10 years past the loan maturity. Leasehold guide →
When FHA won’t work
Condotels and non-warrantable buildings need a different loan. Options →
Neighborhoods
Where FHA works well on Oahu
FHA fits best on single-family homes and townhomes in Ewa, Kapolei, Waipahu, Mililani and Waianae, and in FHA-approved condo buildings in Honolulu. Buyers in Waianae and parts of the North Shore should also compare USDA, which can mean no down payment. Oahu area guide →
Common questions
FHA · Honolulu FAQ
What is the FHA limit in Honolulu for 2026?
$828,000 for a one-unit property.
Can I use FHA for a Waikiki condo?
Only if the building is FHA-approved or your unit qualifies for a single-unit approval. Condotels are not eligible.
Can I combine FHA with down payment assistance?
Yes, where the assistance program allows it. See my DPA guide.
Sources: HUD Mortgagee Letter 2025-23 and HUD FHA loan limit lookup (Honolulu County, 2026); HUD Handbook 4000.1 (condominium approval and leasehold).
